ICICI Lombard Claim Intimation

Filing an insurance claim can seem overwhelming, especially when time is limited and stress is high. ICICI Lombard, one of India’s leading insurance providers, offers a user-friendly process for claim intimation, helping policyholders receive assistance quickly and efficiently. Understanding how ICICI Lombard claim intimation works is essential for anyone holding a policy be it health, motor, travel, or home insurance. This guide explains the steps, the channels available, and important things to keep in mind for a smooth claim experience.

What Is Claim Intimation?

Claim intimation refers to the initial notification given to the insurance company that a loss or damage has occurred and the policyholder intends to make a claim. In the context of ICICI Lombard, claim intimation is the first official step to activate the claims process, ensuring timely assessment and settlement.

Why Is It Important?

Timely claim intimation is crucial for a successful claim settlement. It allows ICICI Lombard to begin processing your claim, appoint surveyors if necessary, and provide instructions on required documents. Failure to intimate the claim within the stipulated time frame may result in rejection or delays.

Types of Claims That Require Intimation

ICICI Lombard offers various types of insurance, and each has specific claim intimation procedures. Here are the common types:

• Health Insurance: Cashless hospitalization or reimbursement claims
• Motor Insurance: Accidents, theft, natural disasters, or third-party claims
• Travel Insurance: Trip cancellations, lost baggage, or medical emergencies abroad
• Home Insurance: Fire, burglary, natural calamities, or property damage

ICICI Lombard Claim Intimation Process

Step 1: Gather Essential Information

Before initiating the claim intimation, make sure you have the following information ready:

• Policy number
• Name and contact details of the policyholder
• Date and time of the incident
• Location where the incident occurred
• Brief description of the loss or damage
• Vehicle number (for motor insurance)

Step 2: Intimate the Claim

ICICI Lombard provides multiple channels for claim intimation to make the process convenient and accessible:

• Website: Visit the official ICICI Lombard website and navigate to the Claim section.
• Mobile App: Use the ICICI Lombard mobile app to file a claim and upload documents.
• Customer Care: Call their toll-free number to register your claim.
• Email: Email the relevant documents and claim information to the support team.
• Branch Office: Visit the nearest branch to submit your claim details in person.

Step 3: Submit Required Documents

Once you have intimated the claim, the company will provide you with a list of required documents. These may include:

• Copy of the insurance policy
• Claim form (duly filled and signed)
• FIR or police report (for accidents or theft)
• Photographs of the damaged property or vehicle
• Medical reports and bills (for health or travel insurance)
• Repair estimate or invoice (for motor and home insurance)

Important Guidelines for Quick Claim Approval

To ensure that your ICICI Lombard claim intimation is successful and the process moves forward smoothly, follow these best practices:

• Intimate the claim as soon as the incident occurs
• Provide accurate and truthful information
• Submit all requested documents without delay
• Keep a copy of all submitted documents for your records
• Maintain regular communication with the claims team

Claim Intimation for Health Insurance

Cashless Claims

If you are admitted to a network hospital, you can opt for cashless treatment. The hospital will coordinate directly with ICICI Lombard to get approval. For this:

• Show your health card at the hospital
• Fill the pre-authorization form at the hospital’s TPA desk
• Wait for approval before proceeding with the treatment

Reimbursement Claims

For non-network hospitals or in case of emergency treatment:

• Pay the hospital bills initially
• Collect all original reports, bills, and discharge summaries
• Submit the documents along with the claim form to ICICI Lombard

Claim Intimation for Motor Insurance

In case of vehicle damage due to an accident or natural calamity:

• Call the ICICI Lombard helpline and inform them about the incident
• Do not move the vehicle until a surveyor has inspected the damage
• Take clear photographs of the vehicle and surrounding area
• Get a police report in case of third-party damage or major accidents

Claim Intimation for Travel Insurance

Travel insurance claims may include loss of baggage, trip cancellation, or medical emergencies:

• Report incidents to local authorities or the embassy immediately
• Keep receipts, bills, and medical records from the country of travel
• Email your documents and claim form to ICICI Lombard

Claim Intimation for Home Insurance

Home insurance claims usually arise from damage due to natural disasters, fire, or theft:

• Take photographs of the damaged property
• File an FIR in case of burglary or theft
• Intimate the claim at the earliest and preserve evidence of damage
• Cooperate with the surveyor for inspection

Time Limits and Settlement Duration

ICICI Lombard expects claims to be intimated within 24 to 48 hours of the incident, depending on the type of policy. The sooner the claim is reported, the better. Most claims, once documented and verified, are settled within 7 to 15 working days, though complex claims may take longer.

ICICI Lombard claim intimation is a simple yet essential step to secure your financial protection when unexpected events occur. By understanding the process, gathering the right documents, and notifying the insurer without delay, policyholders can ensure smooth claim settlement. Whether it’s health insurance, motor accidents, or travel emergencies, ICICI Lombard’s streamlined channels are designed to support you at every stage. Always keep your policy number and documents handy so you’re ready when it matters most.